Rewards Rate
Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
Earn 1X ThankYou® Points on All Other Purchases.
Welcome Bonus
The welcome bonus for the Citi Rewards+® Card typically offers 20,000 ThankYou® Points after you spend $1,500 on purchases within the first 3 months of account opening. These points can be redeemed for gift cards, travel, or other rewards, with an approximate value of $200 when redeemed for gift cards through Citi’s ThankYou® Rewards portal.
APR
17.99-27.99% Variable APR
Pro & Cons
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Unique rounding-up rewards feature maximizes point earning.
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2X points on groceries and gas for up to $6,000 annually.
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No annual fee.
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Attractive introductory bonus offer and 0% intro APR period.
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The balance transfer fee can be high if you’re moving significant balances.
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Points are most valuable when redeemed through Citi’s ThankYou® portal, limiting flexibility.
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Requires good to excellent credit for approval.
Citi Rewards+® Credit Card
The Citi Rewards+® Card is a versatile option for those who want to earn rewards effortlessly on everyday spending. What sets it apart is its unique feature of rounding up rewards to the nearest 10 points on every purchase, no matter how small. With no annual fee, a generous introductory offer, and reward multipliers for common expenses like groceries and gas, it’s an excellent choice for value-driven cardholders.
Up to 5% cash back on every purchase
One-time cash bonus after spending $500 within 3 months of opening an account
Introductory APR for 15 months on purchases and balance transfers; balance transfer fee may apply
Capital One Quicksilver Secured Cash Rewards
Good for:
Cashback secured credit card
Cash back when using Capital One Travel to book a rental car or hotel.
Unlimited cashback on everyday purchases.
Intro APR for 15 months on balance transfers and purchases
Bonus miles. Spend $500 within first 3 months.
Miles/dollar on every purchase (unlimited).
Miles/dollar on hotels/rental cars booked through Capital One Travel (unlimited).
Card Highlights
- 5X points on rental car, hotel and attraction purchases booked through cititravel.com (ends 12/31/2025)
- 2X ThankYou® Points on Gas and Groceries: Earn double points at supermarkets and gas stations (up to $6,000 annually, then 1X).
- 1X points on all other purchases
- 10 percent bonus points (on the first 100,000 points redeemed each year)
- No Annual Fee: Enjoy all the card’s perks without any yearly cost.
- 0% Intro APR for 15 months on purchases and balance transfer
Rewards Redemption
With the Citi Rewards+® Card, you’ll earn ThankYou® Points that can be redeemed for:
- Gift Cards: Redeem points for gift cards from a variety of top brands.
- Travel: Use points to book flights, hotels, and more through the Citi ThankYou® travel portal.
- Statement Credits: Apply points toward your monthly credit card bill.
- Shopping: Pay for purchases with points directly at select merchants.
The standout feature of this card is the automatic rounding up of points, ensuring every purchase contributes more to your reward balance.
Card Terms, Rates and Fees
- Annual Fee: $0 – Enjoy the card with no annual cost.
- Other Fees:
- Return payment fees: See terms
- Late Payment Fee: See terms
- Foreign Transaction Fee: 3% foreign transaction fee
Maximize Benefits and Avoid Fees
To make the most of your Citi Rewards+® Card:
- Focus on Everyday Purchases: Use the card for groceries and gas to earn 2X points on your routine spending.
- Leverage the Rounding Up Feature: Small purchases round up to 10 points, so use the card frequently to maximize point accrual.
- Pay Balances in Full: Avoid interest charges by paying your statement balance in full each month.
- Take Advantage of the Intro APR: Plan major purchases during the introductory period to avoid interest and spread out payments.
Qualification Requirements
|
Requirement |
Description |
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Credit score & credit history |
Good to excellent credit (typically 670+) |
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Income |
Sufficient income to meet credit obligations. |
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Job-status |
Stable employment preferred |
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Citizenship/residency |
US citizen or permanent resident |
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Age |
18+ with a valid SSN or ITIN |
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Required documents |
Valid ID and proof of income. |
What Makes This Card Appealing?
The Citi Rewards+® Card offers a unique approach to rewards by rounding up every purchase to the nearest 10 points. This, combined with 2X points on groceries and gas, makes it an appealing choice for everyday spending. With no annual fee and an attractive introductory offer, it’s an excellent option for those who want to earn rewards on routine expenses without the burden of annual costs.
How to Apply
Applying for the Citi Rewards+® Card is simple:
Apply for credit card
Personal Information
Address, phone and email
Your financial information
Terms & Conditions
- Visit Citi’s Website: Go to the official Citi Rewards+® Card page.
- Click “Apply Now”: Start your application by selecting the “Apply Now” option.
- Fill Out the Application Form: Provide personal details, including:
- Full name
- Social Security number
- Residential address
- Employment and income information
- Review the Terms: Carefully read through the card’s terms and conditions, focusing on APR, fees, and rewards.
- Submit Your Application: Once you’ve confirmed the details, submit the form. Approval may be instant, though some applications might take longer to process.
FAQ
Does the Citi Rewards+® Card have an annual fee?
No, the Citi Rewards+® Card does not charge an annual fee, making it a cost-effective choice for earning rewards.
How does the rounding-up feature work?
For every purchase you make, Citi rounds up the earned points to the nearest 10 points. For example, if a transaction earns 3 points, you’ll receive 10 points instead.
Can I redeem points for cash back?
Yes, ThankYou® Points can be redeemed for statement credits, effectively providing cash back toward your card balance.
